The terms used in the third and fourth groups must be understood in a very general sense ; thus, there are some "merchants" on a very small scale indeed, and others on a very large one.

It is by no means the case that those who have raised themselves by their abilities are found to be abler than their contemporaries who began their careers with advantages of fortune and social position. They are not more distin

guished as original investigators, neither are i they more discerning in those numerous ques